Investor relations

BNG is the largest bond issuer in the Dutch public sector after the Dutch state. Half of BNG's capital is held by the Dutch State. The other shareholders are municipalities, provinces and a water authority.

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Information for investors

Funding strategy Issuance programmes Bond issues ESG bonds

Social impact

Our public shareholders are long-term stakeholders and support our strategy aimed at creating added value and a lasting social impact. We can achieve this ultimate impact first and foremost by issuing bonds on the capital markets. Thanks to our strong relationship with our investors, our clients are ultimately able to realise important social projects: from sustainable housing to modern hospitals.

Key facts

Rating Aaa / AAA / AAA (stable / stable / stable)
Leading lender to the Dutch public sector
100% owned by the Dutch central and local government
Annual long-term funding programme: EUR 15-20 billion
Promotional bank: BNG is a promotional bank, which means that at least 90% of the loans we provide are (in)directly guaranteed by the government. In addition, we promote public sector policy objectives by providing promotional loans on a not-for-profit basis
National systemic bank: BNG maintains an additional buffer because the Dutch central bank has designated BNG as a bank of national systemic importance

Facts & figures

External Credit Ratings

Aaa / AAA / AAA

Highest ratings assigned by Moody's, S&P and Fitch with a stable outlook

Long-term loan portfolio

€ 94 bn

More than 90% of the loan portfolio is zero risk-weighted

Common Equity Tier 1

41%

Well above minimum required capital ratio of 13,25% by the ECB

Leverage ratio

10%

Representing a strong financial position (minimum required: 3%)

Latest news

All news articles

News Article

BNG launches green loans pilot for social housing associations

4 November 2025

BNG has launched a pilot for green loans, specifically developed for Dutch social housing associations that invest in sustainable new-build and renovation projects. With this new type of financing, BNG wants to help speed up the process of making the Dutch housing stock more sustainable.

News Article

BNG receives ECB capital requirement for 2026

31 October 2025

As part of the annual Supervisory Review and Evaluation Process (SREP) BNG has received notification from the European Central Bank that the total SREP capital requirement for BNG is set at 10%, effective as of 1 January 2026. This requirement is to be held in the form of 56.25% of Common Equity Tier 1 (CET1) capital and 75% of Tier 1 capital, as a minimum.

News Article

Annual results for 2024: BNG delivers solid results and increases added value for society

24 March 2025 at 06:00

• EUR 11.7 billion of new long-term loans and record loan portfolio of EUR 93 billion • A net profit of EUR 294 million, an increase of EUR 40 million compared to 2023 • Interest result of EUR 536 million, EUR 19 million more than in 2023 • Raised funding of EUR 18.6 billion, of which EUR 7.5 billion in ESG bonds • Continued strong solvency and liquidity position with a Common Equity Tier 1 ratio of 40% and a LCR of 217%

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Learn more about BNG, our mission, the public sector and economy of the Netherlands, and our financing activities.

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Questions?

Contact BNG Treasury & Capital Markets.

BNG | Bank of added value - Investor relations BNG